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Determinantes Del Acceso Al Crédito De Los Hogares

Author

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  • Andrés Murcia Pabón

    ()

Abstract

Este documento busca identificar los determinantes de acceso al crédito de los hogarescolombianos y encuentra que características tales como el ingreso, la riqueza, la posicióngeográfica, el acceso a la seguridad social, el nivel de educación y la edad afectan laprobabilidad de ser usuario de los servicios financieros acá analizados (tarjeta de crédito ycrédito hipotecario). Adicionalmente se encontró que una porción importante de poblacióncuenta con unas condiciones financieras favorables (representados en unas altas tasas deahorro) y no cuentan con acceso a servicios financieros, lo cual sugiere que podría haberposibilidades de expandir la oferta de crédito a ciertos segmentos.

Suggested Citation

  • Andrés Murcia Pabón, 2007. "Determinantes Del Acceso Al Crédito De Los Hogares," BORRADORES DE ECONOMIA 004017, BANCO DE LA REPÚBLICA.
  • Handle: RePEc:col:000094:004017
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    File URL: http://www.banrep.gov.co/sites/default/files/publicaciones/pdfs/borra449.pdf
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    Cited by:

    1. Ana María Iregui-Bohórquez & Ligia Alba Melo-Becerra & María Teresa Ramírez-Giraldo & Ana María Tribín-Uribe, 2016. "Determinantes del acceso al crédito formal e informal: Evidencia de los hogares de ingresos medios y bajos en Colombia," Borradores de Economia 956, Banco de la Republica de Colombia.
    2. repec:cml:incocp:7sp-05 is not listed on IDEAS

    More about this item

    Keywords

    Hogares; Bancarización; Acceso al crédito.;

    JEL classification:

    • C25 - Mathematical and Quantitative Methods - - Single Equation Models; Single Variables - - - Discrete Regression and Qualitative Choice Models; Discrete Regressors; Proportions; Probabilities
    • C43 - Mathematical and Quantitative Methods - - Econometric and Statistical Methods: Special Topics - - - Index Numbers and Aggregation
    • D19 - Microeconomics - - Household Behavior - - - Other
    • D59 - Microeconomics - - General Equilibrium and Disequilibrium - - - Other

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